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Thread: Your best advice on saving $$$

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    Featured Member redhothoney's Avatar
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    Your best advice on saving $$$

    My advice is to buy energy efficient light bulbs, cut the lights off when your not using them, un-plug adapters, and if your on the internet you don't need the tv on. Obvious stuff right? How come I see everyone doing the opposite lol. Oh yeah, washing everything in bulk. When I was younger, and didn't have to pay the bill I washed one thing at a time. How ignorant was I?

    Now please post how you save $$$... This advice will help everyone out
    THANKS!
    REDHOTHONEY

    Quote Originally Posted by MichelleJade View Post
    In my opinion, there are no normal strippers though... it's like a bag of jelly beans, they're all made of sugar but come in all different colors and flavors. (I think I'd be the root beer kind... mmmmm.)

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    Default Re: Your best advice on saving $$$

    i think there was a thread like this in dollar den before.

    hmm but lets see.. im bad at this bc i leave a lamp on while i sleep and the tv too. and i usually have my computer and tv on at the same time.

    but one thing ive been doing is turning my monitor off when im not using the computer. i read on here that that can make a big difference. i dunno if its true or not, though.

    when i buy groceries i buy things that i can at target. they're usually cheaper there than giant or safeway.

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    Featured Member redhothoney's Avatar
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    Default Re: Your best advice on saving $$$

    yeah our safeway is called randalls and they are waaayyy overpriced. sorry i should have posted in dollar den ) Walmart is actually way cheaper than target, but I can get why some people shop at target over walmart. Also, shopping at the dollar store for dry goods...
    REDHOTHONEY

    Quote Originally Posted by MichelleJade View Post
    In my opinion, there are no normal strippers though... it's like a bag of jelly beans, they're all made of sugar but come in all different colors and flavors. (I think I'd be the root beer kind... mmmmm.)

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    God/dess Susan-Va's Avatar
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    Default Re: Your best advice on saving $$$

    I enrolled in Bank of America's keep the change program. It rounds up check card purchases to the nearest dollar and puts it in your savings account. I'm horrible at actually putting $$ in my account so this should help build up my balance.

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    God/dess Lena's Avatar
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    Default Re: Your best advice on saving $$$

    I live in a van, down by the river...



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    Featured Member vivianbear's Avatar
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    Default Re: Your best advice on saving $$$

    I cook at home almost exclusively. I eat out maybe twice a month at most. Planning my meals really helps with a healthy diet and I stick to a budget.
    "SS=stripper shit, in the same spectrum as CS=customer shit, which is within the spectrum of SaS=sales shit, which is all contained in the universe of BS=bullshit." -- Jay Zeno (mod)

    "Show me a hot chick and I'll show you someone who's tired of fucking her."






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    Veteran Member boxingdoc's Avatar
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    Default Re: Your best advice on saving $$$

    Hm, I thought you might have meant how to actually save and build up a stash of money. No matter how poor I was, I always put away a little something every two weeks, even if it was only $10 into my savings. When a windfall comes in, I save at least 20% of it. For a while, whenever I had a $5 bill, it went into a bowl. Over the months, I saved enough in that bowl so I could take a trip and go to a good friend's baby christening. I've kept that habit and have a couple of thousand sitting in the bowl in case of emergencies, like the apocalypse, when ATMs won't be readily available.

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    God/dess Corgan's Avatar
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    Default Re: Your best advice on saving $$$

    ^ in a bowl???

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    Veteran Member boxingdoc's Avatar
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    Default Re: Your best advice on saving $$$

    A decorative type bowl/vase that sets on a shelf. It's my dire emergency only money. All the regular savings is in a money market account, mutual funds or 401K.

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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by redhothoney View Post
    yeah our safeway is called randalls and they are waaayyy overpriced. sorry i should have posted in dollar den ) Walmart is actually way cheaper than target, but I can get why some people shop at target over walmart. Also, shopping at the dollar store for dry goods...
    oh i gave up on walmart. i posted that in the thread in dollar den, actually, haha.. they didnt have the prescription i tried to fill, didnt have mederma, and didnt have something else i was looking for.. sure their prices are cheaper but i was gawked at like i was at work and was the only white person in there (and no that is not racist if you saw the club i worked at for the last year ) and the cashiers were VERY rude. the girl literally ignored me when i said hello, didnt tell me how much what i was buying cost, i had to look myself, and didnt say goodbye when i did.

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    Banned i.breathe.in's Avatar
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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by britt244 View Post
    oh i gave up on walmart. i posted that in the thread in dollar den, actually, haha.. they didnt have the prescription i tried to fill, didnt have mederma, and didnt have something else i was looking for.. sure their prices are cheaper but i was gawked at like i was at work and was the only white person in there (and no that is not racist if you saw the club i worked at for the last year ) and the cashiers were VERY rude. the girl literally ignored me when i said hello, didnt tell me how much what i was buying cost, i had to look myself, and didnt say goodbye when i did.

    wow! i would have gone off on someone!

    and dare i say "that is so ghetto!" lolzzz.

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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by i.breathe.in View Post
    wow! i would have gone off on someone!

    and dare i say "that is so ghetto!" lolzzz.
    lol i think it is! my dad refuses to go there, too. and my mom has had times when the black cashier is nice to the black people ahead of my mom in line, but then rude to her. i dont care who thinks thats racist bc its certainly not racist on my end!

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    Featured Member redhothoney's Avatar
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    Default Re: Your best advice on saving $$$

    True, but I could care less if some cracker haters were giving me shit i'm just trying to save $$$. Most grocery stores have clearance sections, and i've gotten some good deals you just have to make sure it's not expired.
    REDHOTHONEY

    Quote Originally Posted by MichelleJade View Post
    In my opinion, there are no normal strippers though... it's like a bag of jelly beans, they're all made of sugar but come in all different colors and flavors. (I think I'd be the root beer kind... mmmmm.)

  14. #14
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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by Lena View Post
    I live in a van, down by the river...
    Do you have a lot of time to smoke doobies?

    2 opposite suggestions - either pay for everything in cash and keep only a small amount on you at any time (so you really feel like you're strapped for cash, even if it's artificial, and limit spending instead of realising what you've spent later when the bills come) or if you have an interest free period on your credit card and are REALLY disciplined, pay for everything on credit (so your money can earn interest in the bank for a month instead- it's an interest free loan you're getting). Both can go horribly wrong though.
    Once again, the conservative, sandwich-heavy portfolio pays off for the hungry investor
    - Dr John Zoidberg

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    God/dess ahmeerah's Avatar
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    Default Re: Your best advice on saving $$$

    Live beneath your means and cook your own food.

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    Featured Member redhothoney's Avatar
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    Default Re: Your best advice on saving $$$

    True, it doesn't take more time to cook your own food if you calculate getting in the car and driving there, and waiting on your food. But, if it's fast food that's another story.
    REDHOTHONEY

    Quote Originally Posted by MichelleJade View Post
    In my opinion, there are no normal strippers though... it's like a bag of jelly beans, they're all made of sugar but come in all different colors and flavors. (I think I'd be the root beer kind... mmmmm.)

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    Default Re: Your best advice on saving $$$

    this summer I have drastically cut my food bill by planting a 'huge' organic garden, which is now beginning to be 'harvestable'. Besides the vegetables I am able to cook up and serve fresh right now, I am also canning and freezing the excess. Hopefully this will mean that I won't need to buy any additional vegetables, or vegetable based products such as tomato sauce, jellies and jams, pickles, sauerkraut etc. for most of the coming year ! This amounts to a BIG savings considering that I come from a big family (who all still live in the area) such that I often wind up having to (surprise, we're here !) serve dinner to 3-4-5 people on a regular basis. And for the other food that I still purchase, I shop the hell out of WalMart and Aldi's once a month (buying in bulk whenever possible - thank God I have two freezers). I also hooked up with a local meat processor / butcher shop, where I can team up with other family members and buy in bulk (i.e. split up an entire side of beef, an entire pig etc.). I'm also hoping to 'bag' a deer once hunting season opens, which I can then have the local meat processor can prepare for me at a cost of only pennies per pound of venison !

    On other 'fronts', I can heat my house using either fuel oil or propane or corn / wood pellets ... depending on which is cheaper at any given time. Surprisingly, the price of corn / wood pellets has gone sky high in the last year, probably due to ethanol's demand for corn and lots of people installing wood stoves thus increasing local demand for wood. Fortunately I do have a wood chipper (I mostly use it to make mulch for my garden out of fallen branches and leaves), but I also can make wood chips from my own downed tree branches that I can burn in my pellet stove if I have to (right now the gas for the wood chipper engine probably costs more than I would save burning wood chips versus propane though !).

    I am also considering investing in a multi-zone heat pump. By itself, a heat pump is more energy efficient than an air conditioner ALL the time, and is also more efficient than oil / propane heat as long as the outdoor temperature isn't below 40 degrees. Thus I could save a significant amount of money running a heat pump for 4-6 weeks in november-december and another 4-6 weeks in april-may. However, the costs of heat pump systems is really high ... unless of course your state offers tax credits that help pick up a big share of the cost (which New York does). I'm still deliberating though as to how I would feel if I purchased and installed a subsidized heat pump knowing that my neighbors' taxes actually paid for most of the costs !

    But by far the biggest dollar savings I have been able to accomplish is to completely pay off EVERY outstanding loan I had other than my mortgage. If you stop and calculate how much money you don't have to spend on interest payments for car loans, credit cards etc. it is STAGGERING. I could pay off my mortgage off too, but the federal + New York income tax deduction for mortgage interest is still worth almost as much as the annual mortgage interest costs me. But once the principal to interest ratio of my monthly mortgage payments rises enough so that this is no longer the case, I'll pay off the mortgage entirely.

    $
    Last edited by Melonie; 08-09-2008 at 04:13 AM.

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    Senior Member LadyM's Avatar
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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by redhothoney View Post
    yeah our safeway is called randalls and they are waaayyy overpriced. sorry i should have posted in dollar den ) Walmart is actually way cheaper than target, but I can get why some people shop at target over walmart. Also, shopping at the dollar store for dry goods...
    I still shop at Target and have only been in Walmart once. Walmart's business practices are shit and they treat their employees even worse. I refuse to reward craptastic behaviour with my money.

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    Senior Member LadyM's Avatar
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    Default Re: Your best advice on saving $$$

    For saving money, I 'invest' $3 in the local sunday papers and regularly save 10x that in getting the sales, coupons and offers.

    Hubby and will be getting bicycles soons (his from his mom's house, mine probably bought second hand) and use those rather than the car whenever possible. Even though we don't drive much, it's still a savings and it's 'free' exercise.

    We ditched his cell phone and I only have a prepaid one I've had for years. We have a home phone through our cable bundle, and we use our work phones rather than cells to keep in touch during the day.

    I hit the clearance sections of stores (and websites!) before I check the main sections.

    And most inportantly, I shop with lists. I make lists before I do my errands every week of what we need. Then I go into the stores and only grab what's on the list (or else stupidly discounted in the clearance sections). Hubby is barred from most shopping with me as he loves to wander the aisles and it always ends up costing us more.

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    Veteran Member Rockell's Avatar
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    Default Re: Your best advice on saving $$$

    Quote Originally Posted by britt244 View Post
    oh i gave up on walmart. i posted that in the thread in dollar den, actually, haha.. they didnt have the prescription i tried to fill, didnt have mederma, and didnt have something else i was looking for.. sure their prices are cheaper but i was gawked at like i was at work and was the only white person in there (and no that is not racist if you saw the club i worked at for the last year ) and the cashiers were VERY rude. the girl literally ignored me when i said hello, didnt tell me how much what i was buying cost, i had to look myself, and didnt say goodbye when i did.
    Haha sounds exactly like the WalMart I go to. Oh, and the EXTREMELY long wait in the checkout line because they have like 60 registers and 3 incompetent, rude cashiers working the whole front end. WalMart is way cheaper than anywhere else in my area to buy food and other essentials, although there is a grocery store chain in my area that offers 10 cents off each gallon of gas for every $50 you spend at the store so I usually go there to buy diapers and other things that cost the same no matter where you buy them.

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    Member alwaysamission's Avatar
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    Default Re: Your best advice on saving $$$

    Craptastic? Still thinking about that one.

    BoxingDoc, what's your address?

    The "make your own food" thing is balls on. No idea if you care to spend the time on this, but other than produce, I buy everything on sale and I load up. I pay about $1.70 / lb for boneless, skinless chix breast, I'll buy beef tenderloin @ about $9 / lb. Costco will sell you jumbo king crab legs you could beat a man to death with for $10/lb. I am NOT talking about boxed dinners here. On average, I'll feed myself and others for no more than $3 per meal, and we eat WELL. Bearnaise over charred filet with al dante asparagus well. Yes, WAY healthier, and way cheaper. Save a couple hundy a month easy.

    Get rid of cable / sat and "borrow" movies from the library ($40-100 / mo).

    If you live in a complex, log onto your neighbors unsecured wireless network for free. Savings: $40 / month for avg broadband. Most people will never have a clue.

    Stop fucking drinking soft drinks and drink tap water. If your tap water sucks, get a filter. If you normally drink Coke (stupid of me...diet coke) or whatever in any quantity, not hard to save $20 a month here. Crap's lousy for you anyway.

    Yes, the flouro bulbs are great, but a)remember to take them with you when you move and b)don't put them where you turn the light off and on often. They still don't deal well with that.

    I buy Starbucks unground beans at Costco for $10 for a 2.5 lb bag. Thats a LOT Of quality stimulant for the money. I've got 16-32 oz in my house the moment I walk out the door and I've got a dangerous glint in my eye by the time I get to work.

    I donate about $5k of clothing and "stuff" to Goodwill every year. I'm anal about documenting it...I take digital pix of everything, all laundered, folded and laid out on the floor. I tuck away a spreadsheet of what I (guess I) paid for it, approx date of purchase, % of remaining value, etc. At the 33% tax bracket, thats about $1600 in real money every year. I get the impression that charity isn't popular but among the orgs I give to is public radio. In my state, it's a tax CREDIT up to $100, not a deduction. Thus, it costs me nothing to support a cause in which I believe, and I still get the fed deduction.

    Thats it. I'm spent. Have a nice night, ladies.

  22. #22
    God/dess ahmeerah's Avatar
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    Default Re: Your best advice on saving $$$

    ^^^ You should write a book. I impressed with how you log your Goodwill donations. Marry me.

  23. #23
    God/dess Sophia_Starina's Avatar
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    Default Re: Your best advice on saving $$$

    Two words: Sale Rack.
    Quote Originally Posted by Jay12 View Post
    ^What Sophia said.
    Quote Originally Posted by yoda57us View Post
    I wish there was an "auto-like" setting that I could just have applied to all of your posts Sophia....

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    Default Re: Your best advice on saving $$$

    My most effective money-saving tip is, if I'm about to buy something...I take a few minutes to think of the most disgusting, handsy, perverted, rude, grabby, arrogant douchebags I've danced for recently.

    And I think to myself...I had to put up with them to get this hard-earned cash. Is this item really worth it?

    Sometimes it is, if it's something I've had my eye on forever and really wanted and will get tons of use out of it. But most of the time? I end up saving the money.
    ~'A Seven Nation Army Couldn't Hold Me Back'~

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    Member alwaysamission's Avatar
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    Default Re: Your best advice on saving $$$

    Cool. That was comparatively easy. Almeerah, you must dig OCD guys. Smokin' legs by the way.

    Sophia, I agree entirely. Didn't mention that because (not to generalize..sorry) but I thought the stuff on the sale rack might not appeal to many of you. P'raps a bit odd for a guy, but I love TJ Maxx and Marshalls. I bought a sweet Bosca leather laptop bag for $40. Routinely R Lauren / Polo / whatever shirts for $25 or less. Only one shop in town for cutting edge dress wear (Zegna & such) and they have sales at least twice a year where everything is half off or MORE. I'm talking save a grand on a suit. I don't care whether it's so called "winter weight" or a "summer suit." Very little difference in mens wear I feel.

    The spreadsheet thing isn't just OCD...I like to be prepared and I don't like to loose. I don't like to rely on luck. Luck favors the prepared. I've only been audited once and there were no changes to my return, in either parties favor. (they sent me a letter saying they'd "pre selected" an appointment for me on my birthday and as it happens, while I was scheduled to be on vacation. Nice.

    Anything that's a really significant purchase, I imagine what else I could do with that amount of loot and ask myself if I'd really give that up for what I'm looking at.

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